Basic Offerings
and individual
products relating
to payments
and savings.
Services and prices.
For private clients. Valid from June 1, 2011.
Overview of Basic Offerings
Pay and Save
• For Young People
• For Students
• For Young Professionals
• For Individuals
• For Families and Couples
Page
2
3
4
5
6
The Basic Offerings include the most important products and services relating to payments and
savings for an attractive all-in fee (free for young people and students).
Overview of individual products
Payments
• UBS personal account
• UBS personal account EUR
• UBS personal account 60plus
• UBS current account for private clients
7
8
9
10
Saving/Investing
• UBS savings account
• UBS savings account for young people
• UBS investment fund account
• UBS time deposit account
11
12
13
14
Retirement provision
• UBS Fisca account
(restricted retirement account 3a)
• UBS unrestricted retirement account 3b
• UBS vested benefits account
15
16
17
Overview of prices
Prices
• Payment services
• UBS card and cash services
• Special services
• Benefit from an even more attractive banking relationship
18
20
22
24
Pay and Save Basic Offering
for Young People
Pay and Save Basic Offering
for Students
For young people aged 12 to 22
For full-time or job-concurrent students in tertiary education as defined by the Swiss education system and
PhD students aged 18 to 30 enrolled in a course of education of at least two years‘ duration
Description
Basic Offering for Young People, including the most important bank services for payment and savings needs,
together with free membership of the UBS KeyClub bonus program
Basic Offering for Students and PhD Students, including the most important bank services for payment and
savings needs, together with free membership of the UBS KeyClub bonus program
Currency
CHF
Offer price
(monthly charges)
Free of charge
Scope of offer
Included in the Basic Offering free of charge:1
• UBS personal account Generation and UBS savings account for young people
• UBS Maestro Card Generation for free cash withdrawals in CHF within Switzerland at all UBS Bancomats
and ATMs of other banks
• UBS Credit Card2 in CHF: two-card set consisting of a VISA Card and a MasterCard (from age 18)
• UBS e-banking (e.g. e-bill, e-documents)
• Payment services in CHF in Switzerland from a UBS personal account Generation with UBS e-banking via
Internet, UBS Multimat, LSV+ (direct debit), UBS easy and UBS standing order
• Membership of UBS KeyClub bonus program
• UBS personal account Generation, see UBS personal account on page 7
Exceptions
Interest rate: preferential interest rate on UBS personal account Generation
Withdrawals: CHF 15,000 per calendar month, for higher amounts three-month notice period3, 4
Shipping costs/third-party charges: No shipping costs. Other third-party costs will be charged
• UBS savings account for young people, see page 12
Additional information
• Automatic conversion into the Pay and Save Basic Offering for Young Professionals (see page 4) on the account
holder’s 22nd birthday
• The prices on page 18 onwards apply for services not included in the scope of the offering
• Following termination of the Basic Offering, the terms and conditions for individual products apply (see page 7
onwards)
Lifecycle solutions
With this Basic Offering, you benefit automatically and free of charge from all the services included in the
UBS Generation all-in-one solution:
• “Check-up” when you begin your commercial apprenticeship/secondary school or when you start your career
• UBS KeyClub bonus program with attractive offers
• “young” magazine
Further information at www.ubs.com/young
Free of charge
Payments
Included in the Basic Offering free of charge:1
• UBS personal account Campus and UBS savings account for young people
• UBS Maestro Card Campus for free cash withdrawals in CHF within Switzerland at all UBS Bancomats
and ATMs of other banks
• UBS Credit Card2 in CHF: two-card set consisting of a VISA Card and a MasterCard
• UBS e-banking (e.g. e-bill, e-documents)
• Payment services in CHF in Switzerland from a UBS personal account Campus with UBS e-banking via Internet,
UBS Multimat, LSV+ (direct debit), UBS easy and UBS standing order
• Membership of UBS KeyClub bonus program
Not included in the Basic Offering, but available at preferential conditions:
• UBS investment fund account, see page 14
• UBS personal account Campus, see UBS personal account on page 8
Exceptions
Interest rate: preferential interest rate on UBS personal account Campus
Withdrawals: CHF 15,000 per calendar month, for higher amounts three-month notice period3, 4
Shipping costs/third-party charges: No shipping costs. Other third-party costs will be charged
• UBS savings account for young people, see page 13
Saving/Investing
Conditions and account information
CHF
• The Pay and Save Basic Offering for Students can be extended after a period of two years if the account holder
continues in their course of studies. It is automatically converted into the Pay and Save Basic Offering for
Young Professionals (see page 4) after studies end or no later than when the account holder turns 30
• The prices on page 20 onwards apply for services not included in the scope of the offering
• Following termination of the Basic Offering, the terms and conditions for individual products apply (see page 8
onwards)
Retirement provision
Not included in the Basic Offering, but available at preferential conditions:
• UBS investment fund account, see page 13
Pay and Save Basic Offerings
Condition
With this Basic Offering, you benefit automatically and free of charge from all the services included in the
UBS Campus all-in-one solution:
• “Check-up” when you begin your studies or when you start your career
• UBS KeyClub bonus program with attractive offers
• “young” magazine
Further information at www.ubs.com/young
3
2
2
These products must be taken up at least once provided that the existing issuance criteria are fulfilled. The UBS personal account
Generation or Campus is only available within the offer in question.
Upon fulfilment of the issuing criteria and acceptance of the card application.
4
Prices
1
No notice period necessary for transfers to a UBS Fisca account, UBS unrestricted retirement account 3b, UBS investment fund account
or UBS time deposit account, for the purchase of securities, UBS Funds, precious metals, time deposits or fiduciary investments via UBS
or for interest or amortization payments on UBS mortgages.
If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount.
3
Condition
CHF
Currency
CHF
Free of charge
Offer price
(monthly charges)
Free of charge
Included in the Basic Offering free of charge:1
Scope of offer
• UBS personal account Generation and UBS savings account for young people
• UBS Maestro Card Generation for free cash withdrawals in CHF within Switzerland at all UBS Bancomats
and ATMs of other banks
• UBS Credit Card2 in CHF: two-card set consisting of a VISA Card and a MasterCard (from age 18)
• UBS e-banking (e.g. e-bill, e-documents)
• Payment services in CHF in Switzerland from a UBS personal account Generation with UBS e-banking via
Internet, UBS Multimat, LSV+ (direct debit), UBS easy and UBS standing order
• Membership of UBS KeyClub bonus program
Included in the Basic Offering free of charge:1
• UBS personal account Campus and UBS savings account for young people
• UBS Maestro Card Campus for free cash withdrawals in CHF within Switzerland at all UBS Bancomats
and ATMs of other banks
• UBS Credit Card2 in CHF: two-card set consisting of a VISA Card and a MasterCard
• UBS e-banking (e.g. e-bill, e-documents)
• Payment services in CHF in Switzerland from a UBS personal account Campus with UBS e-banking via Internet,
UBS Multimat, LSV+ (direct debit), UBS easy and UBS standing order
• Membership of UBS KeyClub bonus program
Not included in the Basic Offering, but available at preferential conditions:
• UBS investment fund account, see page 14
Not included in the Basic Offering, but available at preferential conditions:
• UBS investment fund account, see page 13
• UBS personal account Generation, see UBS personal account on page 8
Conditions and account information
Exceptions
Interest rate: preferential interest rate on UBS personal account Generation
Withdrawals: CHF 15,000 per calendar month, for higher amounts three-month notice period3, 4
Shipping costs/third-party charges: No shipping costs. Other third-party costs will be charged
• UBS savings account for young people, see page 13
• UBS personal account Campus, see UBS personal account on page 7
Exceptions
Interest rate: preferential interest rate on UBS personal account Campus
Withdrawals: CHF 15,000 per calendar month, for higher amounts three-month notice period3, 4
Shipping costs/third-party charges: No shipping costs. Other third-party costs will be charged
• UBS savings account for young people, see page 12
• Automatic conversion into the Pay and Save Basic Offering for Young Professionals Additional
(see page 4) information
on the account
holder’s 22nd birthday
• The prices on page 20 onwards apply for services not included in the scope of the offering
• Following termination of the Basic Offering, the terms and conditions for individual products apply (see page 8
onwards)
• The Pay and Save Basic Offering for Students can be extended after a period of two years if the account holder
continues in their course of studies. It is automatically converted into the Pay and Save Basic Offering for
Young Professionals (see page 4) after studies end or no later than when the account holder turns 30
• The prices on page 18 onwards apply for services not included in the scope of the offering
• Following termination of the Basic Offering, the terms and conditions for individual products apply (see page 7
onwards)
With this Basic Offering, you benefit automatically and free of charge from all the services
included
in the
Lifecycle
solutions
UBS Generation all-in-one solution:
• “Check-up” when you begin your commercial apprenticeship/secondary school or when you start your career
• UBS KeyClub bonus program with attractive offers
• “young” magazine
Further information at www.ubs.com/young
With this Basic Offering, you benefit automatically and free of charge from all the services included in the
UBS Campus all-in-one solution:
• “Check-up” when you begin your studies or when you start your career
• UBS KeyClub bonus program with attractive offers
• “young” magazine
Further information at www.ubs.com/young
3
1
2
2
These products must be taken up at least once provided that the existing issuance criteria are fulfilled. The UBS personal account
Generation or Campus is only available within the offer in question.
Upon fulfilment of the issuing criteria and acceptance of the card application.
3
4
Payments
Basic Offering for Students and PhD Students, including the most important bank services for payment and
savings needs, together with free membership of the UBS KeyClub bonus program
Saving/Investing
Basic Offering for Young People, including the most important bank services for payment
and savings needs,
Description
together with free membership of the UBS KeyClub bonus program
Pay and Save Basic Offerings
For full-time or job-concurrent students in tertiary education as defined by the Swiss education system and
PhD students aged 18 to 30 enrolled in a course of education of at least two years‘ duration
Retirement provision
For young people aged 12 to 22
Pay and Save Basic Offering
for Students
No notice period necessary for transfers to a UBS Fisca account, UBS unrestricted retirement account 3b, UBS investment fund account
or UBS time deposit account, for the purchase of securities, UBS Funds, precious metals, time deposits or fiduciary investments via UBS
or for interest or amortization payments on UBS mortgages.
If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount.
Prices
Pay and Save Basic Offering
for Young People
Pay and Save Basic Offering
for Young Professionals
Pay and Save Basic Offering
for Individuals
For young professionals aged 22 to 24 and recent graduates5 up to age 32
For people aged 20 and above
Description
Basic Offering for Young Professionals and recent graduates, including the most important bank services for
payment and savings needs for an attractive all-in fee, together with free membership of the UBS KeyClub bonus
program
Basic Offering for Individuals, including the most important bank services for payment and savings needs for an
attractive all-in fee, together with free membership of the UBS KeyClub bonus program
Currency
CHF
Offer price
(monthly charges)
• Price per month:
– CHF 69 for total assets6 from CHF 5,000 or if you switch to e-documents with UBS e-banking via Internet
– Otherwise CHF 89
• Special offer in 1st year:9
– Free of charge for new clients or existing UBS clients without a UBS Maestro Card
Scope of offer
The following products are included in the Basic Offering:7
• UBS personal account in CHF
• UBS savings account in CHF
• UBS Fisca account
• UBS Maestro Card (owner card) for free cash withdrawals in CHF within Switzerland at all UBS Bancomats
and ATMs of other banks
• UBS Credit Card8, 9 in CHF: two-card set consisting of a VISA Card and a MasterCard
• UBS e-banking (e.g. e-bill, e-documents)
• Payment services in CHF in Switzerland from a UBS personal account with UBS e-banking via Internet,
UBS Multimat, LSV+ (direct debit), UBS easy and UBS standing order
• Membership of UBS KeyClub bonus program
• UBS personal account, see page 7
• UBS savings account, see page 11
• Shipping costs/third-party charges will be passed on
Additional information
• Maximum length of offering: 2 years
• Automatic conversion into the Pay and Save Basic Offering for Individuals (see page 5) on the account holder’s
24th birthday (for non-students) or two years after end of studies, no later than when the account holder
turns 32 (for recent graduates)
• The prices on page 18 onwards apply for services not included in the scope of the offering
• Following termination of the Basic Offering, the terms and conditions for individual products apply (see page 7
onwards)
Lifecycle solutions
As a young professional you also benefit from the following services offered through the UBS Young Professional
lifecycle solution:
• Advice on starting a career, retirement planning and asset accumulation
• Attractive offers from the UBS KeyClub bonus program
• UBS magazine
Further information at www.ubs.com/youngpro
6
4
The following products are included in the Basic Offering:7
• UBS personal account in CHF or UBS personal account 60plus
• UBS savings account in CHF
• UBS Fisca account
• UBS Maestro Card (owner card) for free cash withdrawals in CHF within Switzerland at all UBS Bancomats
and ATMs of other banks
• UBS Credit Card8, 9 in CHF: two-card set consisting of a VISA Card and a MasterCard
(for main cardholder, excl. partner card)
• UBS e-banking (e.g. e-bill, e-documents)
• Payment services in CHF in Switzerland from a UBS personal account or a UBS personal account 60plus with
UBS e-banking via Internet, UBS Multimat, LSV+ (direct debit), UBS easy and UBS standing order
• Membership of UBS KeyClub bonus program
Payments
Studies must have ended within the last two years.
Total assets include the accumulated account and custody account assets invested with UBS under the same client excluding
UBS vested benefits custody/account assets and credit card account. For the lower offer price to apply, total assets must be at least
CHF 10,000 for the entire previous month (exception: with the Pay and Save Basic Offering for Young Professionals at least
CHF 5,000).
•
•
•
•
•
UBS personal account, see page 8
UBS personal account 60plus, see page 10
UBS savings account, see page 12
UBS Fisca account, see page 16
Shipping costs/third-party charges will be passed on
• The prices on page 20 onwards apply for services not included in the scope of the offering
• Following termination of the Basic Offering, the terms and conditions for individual products apply (see page 8
onwards)
As an individual you also benefit from the following services offered through the UBS Individual or UBS Comfort
lifecycle solution:
• Advice on saving for and financing a home, providing financial security, retirement planning and asset
accumulation
• Attractive offers from the UBS KeyClub bonus program
• UBS magazine
Further information at www.ubs.com/individual
7
8
9
Prices
5
• Price per month:
– CHF 109 for total assets6 from CHF 10,000 or with a building financing or a mortgage at UBS or
– CHF 159 if you switch to e-documents with UBS e-banking via Internet
– Otherwise CHF 209
• Special offer in 1st year:9
– Free of charge for new clients or existing UBS clients without a UBS Maestro Card
Saving/Investing
Conditions and account information
CHF
Retirement provision
Not included in the Basic Offering, but available at preferential conditions:
• UBS investment fund account, see page 13
Pay and Save Basic Offerings
Condition
These products must be acquired at least once, provided that the conditions of issue are fulfilled.
Upon acceptance of the card application.
Other options: UBS Gold Card (CHF 8 extra per month) or UBS Platinum Card (CHF 30 extra per month). No extra charge in the first
year for new clients or for existing UBS clients without a UBS Maestro Card.
5
CHF
CHF
Currency
• Price per month:
Offer price
e-banking
via Internet
– CHF 69 for total assets6 from CHF 5,000 or if you switch to e-documents with UBS
(monthly
charges)
– Otherwise CHF 89
• Special offer in 1st year:9
– Free of charge for new clients or existing UBS clients without a UBS Maestro Card
• Price per month:
– CHF 109 for total assets6 from CHF 10,000 or with a building financing or a mortgage at UBS or
– CHF 159 if you switch to e-documents with UBS e-banking via Internet
– Otherwise CHF 209
• Special offer in 1st year:9
– Free of charge for new clients or existing UBS clients without a UBS Maestro Card
The following products are included in the Basic Offering:7
Scope of offer
• UBS personal account in CHF
• UBS savings account in CHF
• UBS Fisca account
• UBS Maestro Card (owner card) for free cash withdrawals in CHF within Switzerland at all UBS Bancomats
and ATMs of other banks
• UBS Credit Card8, 9 in CHF: two-card set consisting of a VISA Card and a MasterCard
• UBS e-banking (e.g. e-bill, e-documents)
• Payment services in CHF in Switzerland from a UBS personal account with UBS e-banking via Internet,
UBS Multimat, LSV+ (direct debit), UBS easy and UBS standing order
• Membership of UBS KeyClub bonus program
The following products are included in the Basic Offering:7
• UBS personal account in CHF or UBS personal account 60plus
• UBS savings account in CHF
• UBS Fisca account
• UBS Maestro Card (owner card) for free cash withdrawals in CHF within Switzerland at all UBS Bancomats
and ATMs of other banks
• UBS Credit Card8, 9 in CHF: two-card set consisting of a VISA Card and a MasterCard
(for main cardholder, excl. partner card)
• UBS e-banking (e.g. e-bill, e-documents)
• Payment services in CHF in Switzerland from a UBS personal account or a UBS personal account 60plus with
UBS e-banking via Internet, UBS Multimat, LSV+ (direct debit), UBS easy and UBS standing order
• Membership of UBS KeyClub bonus program
Not included in the Basic Offering, but available at preferential conditions:
• UBS investment fund account, see page 14
• UBS personal account, see page 8
• UBS savings account, see page 12
• Shipping costs/third-party charges will be passed on
5
6
4
•
•
•
•
•
Conditions and account information
UBS personal account, see page 7
UBS personal account 60plus, see page 9
UBS savings account, see page 11
UBS Fisca account, see page 15
Shipping costs/third-party charges will be passed on
• Maximum length of offering: 2 years
Additional information
• Automatic conversion into the Pay and Save Basic Offering for Individuals (see page 5) on the account holder’s
24th birthday (for non-students) or two years after end of studies, no later than when the account holder
turns 32 (for recent graduates)
• The prices on page 20 onwards apply for services not included in the scope of the offering
• Following termination of the Basic Offering, the terms and conditions for individual products apply (see page 8
onwards)
• The prices on page 18 onwards apply for services not included in the scope of the offering
• Following termination of the Basic Offering, the terms and conditions for individual products apply (see page 7
onwards)
As a young professional you also benefit from the following services offered through the
UBS Young
Professional
Lifecycle
solutions
lifecycle solution:
• Advice on starting a career, retirement planning and asset accumulation
• Attractive offers from the UBS KeyClub bonus program
• UBS magazine
Further information at www.ubs.com/youngpro
As an individual you also benefit from the following services offered through the UBS Individual or UBS Comfort
lifecycle solution:
• Advice on saving for and financing a home, providing financial security, retirement planning and asset
accumulation
• Attractive offers from the UBS KeyClub bonus program
• UBS magazine
Further information at www.ubs.com/individual
Studies must have ended within the last two years.
Total assets include the accumulated account and custody account assets invested with UBS under the same client excluding
UBS vested benefits custody/account assets and credit card account. For the lower offer price to apply, total assets must be at least
CHF 10,000 for the entire previous month (exception: with the Pay and Save Basic Offering for Young Professionals at least
CHF 5,000).
5
7
8
9
Payments
Basic Offering for Individuals, including the most important bank services for payment and savings needs for an
attractive all-in fee, together with free membership of the UBS KeyClub bonus program
Saving/Investing
Basic Offering for Young Professionals and recent graduates, including the most important
bank services for
Description
payment and savings needs for an attractive all-in fee, together with free membership of the UBS KeyClub bonus
program
Pay and Save Basic Offerings
For people aged 20 and above
Condition
Retirement provision
For young professionals aged 22 to 24 and recent graduates5 up to age 32
Pay and Save Basic Offering
for Individuals
These products must be acquired at least once, provided that the conditions of issue are fulfilled.
Upon acceptance of the card application.
Other options: UBS Gold Card (CHF 8 extra per month) or UBS Platinum Card (CHF 30 extra per month). No extra charge in the first
year for new clients or for existing UBS clients without a UBS Maestro Card.
Prices
Pay and Save Basic Offering
for Young Professionals
Basic Offering for Families and Couples, including the most important bank services for payment and savings
needs for an attractive all-in fee, together with free membership of the UBS KeyClub bonus program. The fee is
only charged once per family/couple
Currency
CHF
Offer price
(monthly charges)
• Price per month for family or couple:
– CHF 1510 for total family assets11 from CHF 10,000 or with a building financing or a mortgage at UBS or
– CHF 2510 if you switch to e-documents with UBS e-banking via Internet
– Otherwise CHF 3010
• Special offer in 1st year:10
– Free of charge if both partners are new clients or for existing UBS clients without a UBS Maestro Card
– Half-price per month if one partner is a new client or if in the case of existing UBS clients only one partner
has a UBS Maestro Card
Scope of offer
The following products are included in the Basic Offering for both people:12
• UBS personal account in CHF or UBS personal account 60plus (more than one possible)
• UBS savings account in CHF (more than one possible)
• UBS Fisca account (more than one possible)
• UBS Maestro Card (more than one possible) for free cash withdrawals in CHF within Switzerland at all
UBS Bancomats and ATMs of other banks
• UBS Credit Cards10, 13 in CHF: two-card set consisting of a VISA Card and a MasterCard (for main and partner
cardholder)
• UBS e-banking (e.g. e-bill, e-documents) (more than one possible)
• Payment services in CHF in Switzerland from a UBS personal account or a UBS personal account 60plus with
UBS e-banking via Internet, UBS Multimat, LSV+ (direct debit), UBS easy and UBS standing order
• Membership of UBS KeyClub bonus program
Included for your children under the age of 18:
• UBS savings account for young people
• UBS investment fund account available on preferential terms
Conditions and account information
•
•
•
•
•
•
•
Additional information
• The prices on page 18 onwards apply for services not included in the scope of the offering
• Following termination of the Basic Offering, the terms and conditions for individual products apply (see page 7
onwards)
Lifecycle solutions
As a family or couple you also benefit from the following services through the UBS Family or UBS Comfort
lifecycle solution:
• Advice on saving for and financing a home, providing financial security, retirement planning and asset
accumulation
• Attractive offers from the UBS KeyClub bonus program
• UBS magazine
Further information at www.ubs.com/family
11
12
13
6
Other options: UBS Gold Card (CHF 8 extra per month) or UBS Platinum Card (CHF 30 extra per month). No extra charge in the first
year if both partners are new clients or for existing UBS clients without a UBS Maestro Card. Half-price extra charge per month in the
first year if one partner is a new client or if both are existing UBS clients, but only one partner has a UBS Maestro Card.
Family assets include the accumulated account and custody account assets invested with UBS under the registered members of the
same family (including their children, if right of disposal provided) excluding UBS vested benefits custody/account and credit card
account. For the lower offer price to apply, family assets must be at least CHF 10,000 for the entire previous month.
These products must be acquired at least once per family or couple, provided that the conditions of issue are fulfilled.
Upon acceptance of the card application.
Prices
10
UBS personal account, see page 7
UBS personal account 60plus, see page 9
UBS savings account, see page 11
UBS Fisca account, see page 15
UBS savings account for young people, see page 12
UBS investment fund account, see page 13
Shipping costs/third-party charges will be passed on
Payments
Description
Saving/Investing
For families and couples aged 20 and above (2 people living in the same household, with or without children),
who would like to have the same client advisor
Retirement provision
Condition
Pay and Save Basic Offerings
Pay and Save Basic Offering
for Families and Couples
UBS personal account
UBS personal account EUR
For people aged 20 to 60
For people aged 12 and over
Suitability
For salary deposits and for processing all your payment and securities transactions
For salary deposits and for processing all your payment and securities transactions
Currency
CHF
Interest rate/Interest payment limit
See separate overview which you can obtain at your UBS branch office or access via the Internet at
www.ubs.com/interest
Withholding tax
35% if the gross interest income is over CHF 200 or if the account is balanced more than once per calendar year
Opening/Closing an account
Free of charge; the conditions set out under “Withdrawal arrangements” apply for account closure
Account maintenance
(monthly charges)
• Free of charge with total assets14 of at least CHF 10,000 or with a building financing or a mortgage at UBS or
• CHF 2 monthly if you switch to e-documents with UBS e-banking via Internet
• Otherwise CHF 7 monthly
Withdrawal arrangements
CHF 100,000 per calendar month, for higher amounts three-month notice period 15, 16
EUR 60,000 per calendar month, for higher amounts three-month notice period 15, 16
Account statements
Free of charge – monthly, other alternatives possible
Free of charge – monthly, other alternatives possible
Interest calculations
Free of charge – annually as at December 31. Quarterly if the net debit interest (debit interest less credit interest)
is more than CHF 15
Certification
Free of charge – annually as at December 31
Credit and debit advices
Normally no advice. All information is contained in the account statement. Available on request, CHF 1 per advice
irrespective of whether the advice is issued electronically or on paper
Normally no advice. All information is contained in the account statement. Available on request, CHF 1 per advice
irrespective of whether the advice is issued electronically or on paper
Shipping costs/Third-party expenses
Normally charged in addition. See page 24 for details of how to avoid or minimize shipping costs
Normally charged in addition. See page 26 for details of how to avoid or minimize shipping costs
Services
•
•
•
•
•
•
•
•
•
•
•
•
•
•
Remarks
Automatic conversion into a UBS personal account 60plus at the start of the month of the account holder’s
60th birthday
EUR
See separate overview which you can obtain at your UBS branch office or access via the Internet at
www.ubs.com/interest
35% if the gross interest income is over CHF 200 (equivalent in EUR) or if the account is balanced more than once
per calendar year
Free of charge; the conditions set out under “Withdrawal arrangements” apply for account closure
Payments
• Free of charge with total assets14 of at least CHF 10,000 or with a building financing or a mortgage at UBS or
• CHF 2 monthly if you switch to e-documents with UBS e-banking via Internet
• Otherwise CHF 7 monthly
Free of charge – annually as at December 31. Quarterly if the net debit interest (debit interest less credit interest)
is more than CHF 15
Free of charge – annually as at December 31
Saving/Investing
UBS e-banking (e.g. e-bill, e-documents)
UBS Bancomat/UBS Bancomat Plus
UBS Multimat
Payment orders, e.g. UBS easy, LSV+ (direct debit)
UBS BESR Quick payment slips
UBS Credit Cards
UBS Maestro Card or UBS customer card
UBS KeyClub bonus program (within the Pay and Save Basic Offerings)
Pay and Save Basic Offerings
Condition
UBS e-banking (e.g. e-bill, e-documents)
UBS Bancomat/UBS Bancomat Plus
UBS Multimat
Payment orders, e.g. LSV+ (direct debit)
UBS Credit Cards
UBS Maestro Card or UBS customer card
For adults, the UBS personal account is already included in the Pay and Save Basic Offering for an attractive
all-in fee, see pages 4 to 6
Retirement provision
Young people and students should also consider our free Basic Offerings, see pages 2 and 3
15
7
Total assets include the accumulated account and custody account assets invested with UBS under the same client excluding
UBS vested benefits custody/account assets and credit card account. To get a fee waiver, total assets must be at least CHF 10,000 for
the entire previous month.
16
Prices
14
No notice period necessary for transfers to a UBS Fisca account, UBS unrestricted retirement account 3b, UBS investment fund account
or UBS time deposit account, for the purchase of securities, UBS Funds, precious metals, time deposits or fiduciary investments via UBS
or for interest or amortization payments on UBS mortgages.
If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount.
9
For people aged 20 to 60
Condition
For people aged 12 and over
For salary deposits and for processing all your payment and securities transactions
Suitability
For salary deposits and for processing all your payment and securities transactions
CHF
Currency
EUR
See separate overview which you can obtain at your UBS branch office or access via the
Interest
Internetrate/Interest
at
payment limit
www.ubs.com/interest
See separate overview which you can obtain at your UBS branch office or access via the Internet at
www.ubs.com/interest
35% if the gross interest income is over CHF 200 or if the account is balanced more than
once per calendar
year
Withholding
tax
35% if the gross interest income is over CHF 200 (equivalent in EUR) or if the account is balanced more than once
per calendar year
Free of charge; the conditions set out under “Withdrawal arrangements” apply for account
closure
Opening/Closing
an account
Free of charge; the conditions set out under “Withdrawal arrangements” apply for account closure
• Free of charge with total assets14 of at least CHF 10,000 or with a building financingAccount
maintenance
or a mortgage
at UBS or
(monthly charges)
• CHF 2 monthly if you switch to e-documents with UBS e-banking via Internet
• Otherwise CHF 7 monthly
• Free of charge with total assets14 of at least CHF 10,000 or with a building financing or a mortgage at UBS or
• CHF 2 monthly if you switch to e-documents with UBS e-banking via Internet
• Otherwise CHF 7 monthly
CHF 100,000 per calendar month, for higher amounts three-month notice period 15, 16 Withdrawal arrangements
EUR 60,000 per calendar month, for higher amounts three-month notice period 15, 16
Account statements
Free of charge – monthly, other alternatives possible
Interestless
calculations
Free of charge – annually as at December 31. Quarterly if the net debit interest (debit interest
credit interest)
is more than CHF 15
Free of charge – annually as at December 31
Free of charge – annually as at December 31. Quarterly if the net debit interest (debit interest less credit interest)
is more than CHF 15
Certification
Free of charge – annually as at December 31
Credit
andCHF
debit
advices
Normally no advice. All information is contained in the account statement. Available on
request,
1 per
advice
irrespective of whether the advice is issued electronically or on paper
Normally no advice. All information is contained in the account statement. Available on request, CHF 1 per advice
irrespective of whether the advice is issued electronically or on paper
Shipping
Normally charged in addition. See page 26 for details of how to avoid or minimize shipping
costscosts/Third-party expenses
Normally charged in addition. See page 24 for details of how to avoid or minimize shipping costs
•
•
•
•
•
•
•
•
UBS e-banking (e.g. e-bill, e-documents)
UBS Bancomat/UBS Bancomat Plus
UBS Multimat
Payment orders, e.g. UBS easy, LSV+ (direct debit)
UBS BESR Quick payment slips
UBS Credit Cards
UBS Maestro Card or UBS customer card
UBS KeyClub bonus program (within the Pay and Save Basic Offerings)
Services
•
•
•
•
•
•
UBS e-banking (e.g. e-bill, e-documents)
UBS Bancomat/UBS Bancomat Plus
UBS Multimat
Payment orders, e.g. LSV+ (direct debit)
UBS Credit Cards
UBS Maestro Card or UBS customer card
Payments
Free of charge – monthly, other alternatives possible
Pay and Save Basic Offerings
UBS personal account EUR
Saving/Investing
UBS personal account
Automatic conversion into a UBS personal account 60plus at the start of the month ofRemarks
the account holder’s
60th birthday
Retirement provision
Young people and students should also consider our free Basic Offerings, see pages 2 and 3
For adults, the UBS personal account is already included in the Pay and Save Basic Offering for an attractive
all-in fee, see pages 4 to 6
8
Total assets include the accumulated account and custody account assets invested with UBS under the same client excluding
UBS vested benefits custody/account assets and credit card account. To get a fee waiver, total assets must be at least CHF 10,000 for
the entire previous month.
8
16
No notice period necessary for transfers to a UBS Fisca account, UBS unrestricted retirement account 3b, UBS investment fund account
or UBS time deposit account, for the purchase of securities, UBS Funds, precious metals, time deposits or fiduciary investments via UBS
or for interest or amortization payments on UBS mortgages.
If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount.
Prices
15
14
UBS personal account 60plus
UBS current account for private clients
For people aged 60 and over
For people aged 18 and over
Suitability
For salary or pension deposits and for processing all your payment and securities transactions
For more substantial personal payment and securities transactions
Currency
CHF
Interest rate/Interest payment limit
See separate overview which you can obtain at your UBS branch office or access via the Internet at
www.ubs.com/interest
Withholding tax
35% if the gross interest income is over CHF 200 or if the account is balanced more than once per calendar year
Opening/Closing an account
Free of charge; the conditions set out under “Withdrawal arrangements” apply for account closure
Account maintenance
(monthly charges)
• Free of charge with total assets17 of at least CHF 10,000 or with a building financing or a mortgage at UBS or
• CHF 2 monthly if you switch to e-documents with UBS e-banking via Internet
• Otherwise CHF 7 monthly
Withdrawal arrangements
CHF 100,000 per calendar month, for higher amounts three-month notice period 18, 19
The total amount at all times
Account statements
Free of charge – monthly, other alternatives possible
Free of charge – quarterly, other alternatives possible
Interest calculations
Free of charge – annually as at December 31. Quarterly if the net debit interest (debit interest less credit interest)
is more than CHF 15
Certification
Free of charge – annually as at December 31
Credit and debit advices
Normally no advice. All information is contained in the account statement. Available on request, CHF 1 per advice
irrespective of whether the advice is issued electronically or on paper
Free of charge – delivered monthly, other alternatives possible
Shipping costs/Third-party expenses
Normally charged in addition. See page 24 for details of how to avoid or minimize shipping costs
Normally charged in addition. See page 26 for details of how to avoid or minimize shipping costs
Services
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
Remarks
The UBS personal account 60plus is already included in the Pay and Save Basic Offering for an attractive all-in fee,
see pages 4 to 6
CHF and foreign currencies
See separate overview which you can obtain at your UBS branch office or access via the Internet at
www.ubs.com/interest
35% if the gross interest income is over CHF 200 (or equivalent in foreign currency) or if the account is balanced
more than once per calendar year
Free of charge
Payments
CHF 3 monthly, charged annually
Free of charge – annually as at December 31. Quarterly if the net debit interest (debit interest less credit interest)
is more than CHF 15
Saving/Investing
On request
UBS e-banking (e.g. e-bill, e-documents)
UBS Bancomat/UBS Bancomat Plus
UBS Multimat
Payment orders, e.g. UBS easy, LSV+ (direct debit)
UBS BESR Quick payment slips
UBS Credit Cards
UBS Maestro Card (in CHF and EUR) or UBS customer card
In CHF only available with a UBS Custody Account
Retirement provision
UBS e-banking (e.g. e-bill, e-documents)
UBS Bancomat/UBS Bancomat Plus
UBS Multimat
Payment orders, e.g. UBS easy, LSV+ (direct debit)
UBS BESR Quick payment slips
UBS Credit Cards
UBS Maestro Card or UBS customer card
UBS KeyClub bonus program (within the Pay and Save Basic Offerings)
Pay and Save Basic Offerings
Condition
18
9
Total assets include the accumulated account and custody account assets invested with UBS under the same client excluding
UBS vested benefits custody/account assets and credit card account. To get a fee waiver, total assets must be at least CHF 10,000 for
the entire previous month.
19
Prices
17
No notice period necessary for transfers to a UBS Fisca account, UBS unrestricted retirement account 3b, UBS investment fund account
or UBS time deposit account, for the purchase of securities, UBS Funds, precious metals, time deposits or fiduciary investments via UBS
or for interest or amortization payments on UBS mortgages.
If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount.
11
For people aged 18 and over
For more substantial personal payment and securities transactions
CHF
CHF and foreign currencies
Currency
See separate overview which you can obtain at your UBS branch office or access via the
Interest
Internetrate/Interest
at
payment limit
www.ubs.com/interest
See separate overview which you can obtain at your UBS branch office or access via the Internet at
www.ubs.com/interest
35% if the gross interest income is over CHF 200 or if the account is balanced more than
once per calendar
year
Withholding
tax
35% if the gross interest income is over CHF 200 (or equivalent in foreign currency) or if the account is balanced
more than once per calendar year
Free of charge; the conditions set out under “Withdrawal arrangements” apply for account
closure
Opening/Closing
an account
Free of charge
• Free of charge with total assets17 of at least CHF 10,000 or with a building financingAccount
or a mortgage
at UBS or
maintenance
• CHF 2 monthly if you switch to e-documents with UBS e-banking via Internet
(monthly charges)
• Otherwise CHF 7 monthly
CHF 3 monthly, charged annually
CHF 100,000 per calendar month, for higher amounts three-month notice period 18, 19 Withdrawal arrangements
The total amount at all times
Free of charge – monthly, other alternatives possible
Free of charge – quarterly, other alternatives possible
Account statements
Free of charge – annually as at December 31. Quarterly if the net debit interest (debit interest
credit interest)
Interestless
calculations
is more than CHF 15
Free of charge – annually as at December 31. Quarterly if the net debit interest (debit interest less credit interest)
is more than CHF 15
Free of charge – annually as at December 31
On request
Certification
Normally no advice. All information is contained in the account statement. Available on
request,
1 per
advice
Credit
andCHF
debit
advices
irrespective of whether the advice is issued electronically or on paper
Free of charge – delivered monthly, other alternatives possible
Normally charged in addition. See page 26 for details of how to avoid or minimize shipping
costscosts/Third-party expenses
Shipping
Normally charged in addition. See page 24 for details of how to avoid or minimize shipping costs
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
UBS e-banking (e.g. e-bill, e-documents)
UBS Bancomat/UBS Bancomat Plus
UBS Multimat
Payment orders, e.g. UBS easy, LSV+ (direct debit)
UBS BESR Quick payment slips
UBS Credit Cards
UBS Maestro Card or UBS customer card
UBS KeyClub bonus program (within the Pay and Save Basic Offerings)
Services
In CHF only available with a UBS Custody Account
Retirement provision
The UBS personal account 60plus is already included in the Pay and Save Basic OfferingRemarks
for an attractive all-in fee,
see pages 4 to 6
UBS e-banking (e.g. e-bill, e-documents)
UBS Bancomat/UBS Bancomat Plus
UBS Multimat
Payment orders, e.g. UBS easy, LSV+ (direct debit)
UBS BESR Quick payment slips
UBS Credit Cards
UBS Maestro Card (in CHF and EUR) or UBS customer card
Pay and Save Basic Offerings
Condition
For salary or pension deposits and for processing all your payment and securities transactions
Suitability
Payments
For people aged 60 and over
UBS current account for private clients
Saving/Investing
UBS personal account 60plus
Total assets include the accumulated account and custody account assets invested with UBS under the same client excluding
UBS vested benefits custody/account assets and credit card account. To get a fee waiver, total assets must be at least CHF 10,000 for
the entire previous month.
10
10
19
No notice period necessary for transfers to a UBS Fisca account, UBS unrestricted retirement account 3b, UBS investment fund account
or UBS time deposit account, for the purchase of securities, UBS Funds, precious metals, time deposits or fiduciary investments via UBS
or for interest or amortization payments on UBS mortgages.
If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount.
Prices
18
17
UBS savings account
UBS savings account for young people
In CHF for people aged 20 and above/In EUR for all age groups
For children and young people up to 20 years of age
Suitability
Personal savings with more interest
The ideal gift for your child, godchild or grandchild. Can also be opened by the young people themselves
Currency
CHF and EUR
Interest rate/Interest payment limit
See separate overview which you can obtain at your UBS branch office or access via the Internet at
www.ubs.com/interest
Withholding tax
35% if the gross interest income is over CHF 200 (or equivalent in EUR) or if the account is balanced more than
once per calendar year
Opening/Closing an account
Free of charge; the conditions set out under “Withdrawal arrangements” apply for account closure
Account maintenance
(monthly charges)
• Free of charge
• Maintenance fee of CHF 2 monthly for existing savings books (only for CHF)
Withdrawal arrangements
CHF 50,000/EUR 30,000 per calendar year, for higher amounts three-month notice period20, 21
CHF 50,000 per calendar year, for higher amounts three-month notice period 21, 22
Account statements
Free of charge – annually as at December 31, other alternatives possible
Free of charge – annually as at December 31, other alternatives possible
Interest calculations
Free of charge – annually as at December 31
Certification
Free of charge – annually as at December 31
Credit and debit advices
Free of charge – delivered monthly, other alternatives possible
Free of charge – delivered monthly, other alternatives possible
Shipping costs/Third-party expenses
Normally charged in addition. See page 24 for details of how to avoid or minimize shipping costs
No shipping costs. Other third-party charges will be passed on
Services
•
•
•
•
•
•
•
•
•
Remarks
Not suitable for payment services (extra charge of CHF 2 added to payment services fees; no exemption option)
CHF
See separate overview which you can obtain at your UBS branch office or access via the Internet at
www.ubs.com/interest
35% if the gross interest income is over CHF 200 or if the account is balanced more than once per calendar year
Free of charge; the conditions set out under “Withdrawal arrangements” apply for account closure
Payments
• Free of charge
• Maintenance fee of CHF 2 monthly for existing savings books
Free of charge – annually as at December 31
Free of charge – annually as at December 31
Saving/Investing
UBS e-banking
UBS Bancomat/UBS Bancomat Plus
UBS Multimat
UBS BESR Quick payment slips (only for CHF)
UBS customer card
Pay and Save Basic Offerings
Condition
• Conversion into a UBS savings account at the age of 20
• Not suitable for payment services (extra charge of CHF 2 added to payment services fees; no exemption option)
The UBS savings account is already included in the Pay and Save Basic Offering, see pages 4 to 6
The free Pay and Save Basic Offering for Young People (see page 2) includes the UBS savings account for young
people up to 22 years
Retirement provision
21
11
No notice period necessary for transfers to a UBS Fisca account, UBS unrestricted retirement account 3b, UBS investment fund account
or UBS time deposit account, for the purchase of UBS medium-term notes or for interest or amortization payments on UBS mortgages.
If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount.
The free Pay and Save Basic Offering for Students (see page 3) includes the UBS savings account for young people
after studies end or no later than when the account holder turns 30
Further information at www.ubs.com/kids
22
Prices
20
Welcome gift for newborns
Sending of general gift card
Gift certificate for later transfer of the account
Savings boxes available on request
No notice period necessary for transfer to a UBS investment fund account or UBS time deposit account or for the purchase of
UBS medium-term notes.
13
In CHF for people aged 20 and above/In EUR for all age groups
Condition
For children and young people up to 20 years of age
Personal savings with more interest
Suitability
The ideal gift for your child, godchild or grandchild. Can also be opened by the young people themselves
CHF and EUR
Currency
CHF
See separate overview which you can obtain at your UBS branch office or access via the
Interest
Internetrate/Interest
at
payment limit
www.ubs.com/interest
See separate overview which you can obtain at your UBS branch office or access via the Internet at
www.ubs.com/interest
35% if the gross interest income is over CHF 200 (or equivalent in EUR) or if the account
is balanced tax
more than
Withholding
once per calendar year
35% if the gross interest income is over CHF 200 or if the account is balanced more than once per calendar year
Free of charge; the conditions set out under “Withdrawal arrangements” apply for account
closure
Opening/Closing
an account
Free of charge; the conditions set out under “Withdrawal arrangements” apply for account closure
• Free of charge
• Maintenance fee of CHF 2 monthly for existing savings books (only for CHF)
• Free of charge
• Maintenance fee of CHF 2 monthly for existing savings books
Account maintenance
(monthly charges)
CHF 50,000 per calendar year, for higher amounts three-month notice period 21, 22
Free of charge – annually as at December 31, other alternatives possible
Account statements
Free of charge – annually as at December 31, other alternatives possible
Free of charge – annually as at December 31
Interest calculations
Free of charge – annually as at December 31
Free of charge – annually as at December 31
Certification
Free of charge – annually as at December 31
Free of charge – delivered monthly, other alternatives possible
Credit and debit advices
Free of charge – delivered monthly, other alternatives possible
Shipping
Normally charged in addition. See page 26 for details of how to avoid or minimize shipping
costscosts/Third-party expenses
Services
•
•
•
•
Remarks
Not suitable for payment services (extra charge of CHF 2 added to payment services fees;
no exemption option)
Welcome gift for newborns
Sending of general gift card
Gift certificate for later transfer of the account
Savings boxes available on request
• Conversion into a UBS savings account at the age of 20
• Not suitable for payment services (extra charge of CHF 2 added to payment services fees; no exemption option)
The UBS savings account is already included in the Pay and Save Basic Offering, see pages 4 to 6
The free Pay and Save Basic Offering for Young People (see page 2) includes the UBS savings account for young
people up to 22 years
The free Pay and Save Basic Offering for Students (see page 3) includes the UBS savings account for young people
after studies end or no later than when the account holder turns 30
Further information at www.ubs.com/kids
20
21
No notice period necessary for transfers to a UBS Fisca account, UBS unrestricted retirement account 3b, UBS investment fund account
or UBS time deposit account, for the purchase of UBS medium-term notes or for interest or amortization payments on UBS mortgages.
If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount.
12
12
Saving/Investing
UBS e-banking
UBS Bancomat/UBS Bancomat Plus
UBS Multimat
UBS BESR Quick payment slips (only for CHF)
UBS customer card
No shipping costs. Other third-party charges will be passed on
22
Retirement provision
•
•
•
•
•
Payments
20, 21
CHF 50,000/EUR 30,000 per calendar year, for higher amounts three-month notice period
Withdrawal
arrangements
Pay and Save Basic Offerings
UBS savings account for young people
No notice period necessary for transfer to a UBS investment fund account or UBS time deposit account or for the purchase of
UBS medium-term notes.
Prices
UBS savings account
UBS investment fund account
UBS time deposit account
For all age groups (for young bank clients23/young professionals23 at preferential conditions)
For people aged 18 and above
Suitability
For asset accumulation with UBS Funds
For investments with a fixed interest rate and a high degree of security
Currency
CHF/EUR/USD
Interest rate/Interest payment limit
See separate overview which you can obtain at your UBS branch office or access via the Internet at
www.ubs.com/interest
Withholding tax
35% if the gross interest income is over CHF 200 (or equivalent in foreign currency) or if the account is balanced
more than once per calendar year. 35% of earnings on investment funds under Swiss law
Opening/Closing an account
Free of charge
Account maintenance
(monthly charges)
See under “Remarks”
Withdrawal arrangements
At any time:
• Up to 80% of the capital invested
• Minimum withdrawal CHF/EUR/USD 500
Young bank clients23/young professionals23: CHF/EUR/USD 100
• Closure after sale of fund units is settled
None (exceptionally on request)
Account statements
Free fund account statement – annually as at December 31
–
Interest calculations
Free of charge – annually as at December 31
Certification
Free fund account tax certificate – annually as at December 31
Credit and debit advices
• Normally no advice
• Individual advice for each investment
–
Shipping costs/Third-party expenses
See under “Remarks”
–
Services
• Investment instructions: choose from over 200 broadly diversified UBS Funds
• Asset accumulation: Automatic investment in UBS Funds according to your investment instruction once
a minimum investment amount of CHF/EUR/USD 500 (young bank clients23/young professionals23: CHF/EUR/
USD 100) is reached. Preferable rate of interest on credit balances24 below minimum investment amount
• Deposits and withdrawals can be made at any time
• Redemption plan possible starting from minimum investment of CHF/EUR/USD 100,000
• UBS e-banking/UBS Multimat
• Investment amount: from CHF/EUR 5,000
• Term: from 1 year and 1 day up to 10 years
• UBS e-banking
Remarks
• 0.14% administration fee p.a. for managing the UBS investment fund account
• Issuing commission for investing in UBS Funds (price varies depending on the fund) and standard commissions
and costs of the individual investment funds
• Third-party charges (e.g. VAT, withholding tax, federal stamp duties, etc.) will be charged separately
• Preferential conditions for young bank clients23/young professionals23:
– preferential interest rate in CHF
– no administration fee
– 50% discount on issuing commission (other commissions and costs will be charged separately)
24
13
Payments
Saving/Investing
CHF/EUR
See separate overview which you can obtain at your UBS branch office or access via the Internet at
www.ubs.com/interest
35% of gross interest income
Free of charge
Free of charge
Annually from date money is deposited or as at December 31
–
Retirement provision
• Stamp duty on new issues 0.06% for each full and partial year
• Prerequisite: UBS account
Young bank clients: children and young people up to 20 years of age and clients with the Pay and Save Basic Offering for Young People
or Students.
Young Professionals: clients with the Pay and Save Basic Offering for Young Professionals.
Except for UBS investment fund account in USD.
Prices
23
Pay and Save Basic Offerings
Condition
15
24
For investments with a fixed interest rate and a high degree of security
CHF/EUR/USD
Currency
CHF/EUR
See separate overview which you can obtain at your UBS branch office or access via the
Interest
Internetrate/Interest
at
payment limit
www.ubs.com/interest
See separate overview which you can obtain at your UBS branch office or access via the Internet at
www.ubs.com/interest
35% if the gross interest income is over CHF 200 (or equivalent in foreign currency) orWithholding
if the accounttax
is balanced
more than once per calendar year. 35% of earnings on investment funds under Swiss law
35% of gross interest income
Free of charge
Opening/Closing an account
Free of charge
See under “Remarks”
Account maintenance
(monthly charges)
Free of charge
At any time:
• Up to 80% of the capital invested
• Minimum withdrawal CHF/EUR/USD 500
Young bank clients23/young professionals23: CHF/EUR/USD 100
• Closure after sale of fund units is settled
Withdrawal arrangements
None (exceptionally on request)
Free fund account statement – annually as at December 31
Account statements
–
Free of charge – annually as at December 31
Interest calculations
Annually from date money is deposited or as at December 31
Free fund account tax certificate – annually as at December 31
Certification
–
• Normally no advice
• Individual advice for each investment
Credit and debit advices
–
See under “Remarks”
Shipping costs/Third-party expenses
–
Services
• Investment instructions: choose from over 200 broadly diversified UBS Funds
• Asset accumulation: Automatic investment in UBS Funds according to your investment instruction once
23
a minimum investment amount of CHF/EUR/USD 500 (young bank clients /young professionals23: CHF/EUR/
USD 100) is reached. Preferable rate of interest on credit balances24 below minimum investment amount
• Deposits and withdrawals can be made at any time
• Redemption plan possible starting from minimum investment of CHF/EUR/USD 100,000
• UBS e-banking/UBS Multimat
• Investment amount: from CHF/EUR 5,000
• Term: from 1 year and 1 day up to 10 years
• UBS e-banking
Remarks
• 0.14% administration fee p.a. for managing the UBS investment fund account
• Issuing commission for investing in UBS Funds (price varies depending on the fund) and standard commissions
and costs of the individual investment funds
• Third-party charges (e.g. VAT, withholding tax, federal stamp duties, etc.) will be charged separately
• Preferential conditions for young bank clients23/young professionals23:
– preferential interest rate in CHF
– no administration fee
– 50% discount on issuing commission (other commissions and costs will be charged separately)
• Stamp duty on new issues 0.06% for each full and partial year
• Prerequisite: UBS account
Pay and Save Basic Offerings
Suitability
Payments
For people aged 18 and above
For asset accumulation with UBS Funds
Saving/Investing
For all age groups (for young bank clients23/young professionals23 at preferential conditions)
Condition
Young bank clients: children and young people up to 20 years of age and clients with the Pay and Save Basic Offering for Young People
or Students.
Young Professionals: clients with the Pay and Save Basic Offering for Young Professionals.
Except for UBS investment fund account in USD.
14
14
Prices
23
UBS time deposit account
Retirement provision
UBS investment fund account
UBS Fisca account
(restricted retirement account 3a)
UBS unrestricted retirement account 3b
For people who pay AHV contributions
For people who save actively with UBS Fisca
Suitability
Retirement plan for tax-deductible saving (pillar 3a)
Retirement solution for long-term, targeted unrestricted retirement provision (pillar 3b)
Currency
CHF
Interest rate/Interest payment limit
See separate overview which you can obtain at your UBS branch office or access via the Internet at
www.ubs.com/interest
Withholding tax
None
Opening/Closing an account
Free of charge, more than one account possible; the remarks set out under “Withdrawal arrangements” apply for
payments and account closure
Account maintenance
(monthly charges)
Free of charge
Withdrawal arrangements
Payment no earlier than 5 years prior to reaching AHV retirement age or in accordance with statutory or
regulatory provisions
•
•
•
•
Account statements
Free of charge – annually as at December 31
Free of charge – annually as at December 31
Interest calculations
Free of charge – annually as at December 31
Certification
Free tax certificate – annually as at December 31
Credit and debit advices
Free of charge – delivered monthly, other alternatives possible
Free of charge – delivered monthly, other alternatives possible
Shipping costs/Third-party expenses
Free of charge
Free of charge
Services
• UBS Vitainvest investment funds in UBS Fisca custody account
• Retirement savings and insurance cover with UBS Fiscalife
• UBS KeyClub bonus program
No issuing commissions or custody account fees for investments in selected UBS funds in the UBS unrestricted
retirement custody account 3b
Remarks
Financing home ownership
The UBS Fisca account is already included in the Pay and Save Basic Offering, see pages 4, 5 and 6
15
Payments
Saving/Investing
Retirement provision
Tax benefits:
• Deposits are deductible from taxable income
• Interest income and savings capital not taxable until paid out
• Taxation at reduced rate on payout of capital
Prices
Maximum deposits at present:
• With “BVG”: CHF 6,682
• Without “BVG”: 20% of income, up to a maximum of CHF 33,408
Pay and Save Basic Offerings
Condition
CHF
Same preferential interest rate as for UBS Fisca account. See separate overview, which can be obtained at your
UBS branch or accessed online at www.ubs.com/interest
35% if the gross interest income is over CHF 200 or if the account is balanced more than once per calendar year
Free of charge; the remarks set out under “Withdrawal arrangements” apply for withdrawals and account closure
Free of charge
In principle at any time, distinction between ordinary and extraordinary withdrawals
Most of the criteria for payout under pillar 3a (UBS Fisca) constitute ordinary reasons for withdrawal
Ordinary withdrawals: preferential conditions still apply
Extraordinary withdrawals: retrospective charge of half the interest credited together with all issuing
commissions and custody account fees payable is levied on the withdrawal amount
Free of charge – annually as at December 31
Free of charge – overview of preferential conditions – annually as at December 31
• Deposits: up to twice the amount deposited in UBS Fisca (incl. UBS Fiscalife) in the same calendar year
• Preferential conditions: same preferential interest rate as for UBS Fisca account and investments in selected
UBS funds. Issuing commission and custody account fees waived
• Taxes: Deposits are not tax deductible. Capital and income are subject to regular taxation. If there is an extraordinary withdrawal, the income tax paid on interest income in the previous years cannot be reclaimed.
If, however, the assets were invested in units of UBS funds, there are no tax disadvantages
17
For people who pay AHV contributions
Condition
For people who save actively with UBS Fisca
Retirement plan for tax-deductible saving (pillar 3a)
Suitability
Retirement solution for long-term, targeted unrestricted retirement provision (pillar 3b)
CHF
Currency
CHF
See separate overview which you can obtain at your UBS branch office or access via the
Interest
Internetrate/Interest
at
payment limit
www.ubs.com/interest
Same preferential interest rate as for UBS Fisca account. See separate overview, which can be obtained at your
UBS branch or accessed online at www.ubs.com/interest
None
35% if the gross interest income is over CHF 200 or if the account is balanced more than once per calendar year
Free of charge, more than one account possible; the remarks set out under “Withdrawal
arrangements” apply
for
Opening/Closing
an account
payments and account closure
Free of charge; the remarks set out under “Withdrawal arrangements” apply for withdrawals and account closure
Free of charge
Free of charge
•
•
•
•
Free of charge – annually as at December 31
Account statements
Free of charge – annually as at December 31
Free of charge – annually as at December 31
Interest calculations
Free of charge – annually as at December 31
Free tax certificate – annually as at December 31
Certification
Free of charge – overview of preferential conditions – annually as at December 31
Free of charge – delivered monthly, other alternatives possible
Credit and debit advices
Free of charge – delivered monthly, other alternatives possible
Free of charge
Shipping costs/Third-party expenses
Free of charge
• UBS Vitainvest investment funds in UBS Fisca custody account
• Retirement savings and insurance cover with UBS Fiscalife
• UBS KeyClub bonus program
Services
No issuing commissions or custody account fees for investments in selected UBS funds in the UBS unrestricted
retirement custody account 3b
Financing home ownership
Remarks
• Deposits: up to twice the amount deposited in UBS Fisca (incl. UBS Fiscalife) in the same calendar year
• Preferential conditions: same preferential interest rate as for UBS Fisca account and investments in selected
UBS funds. Issuing commission and custody account fees waived
• Taxes: Deposits are not tax deductible. Capital and income are subject to regular taxation. If there is an extraordinary withdrawal, the income tax paid on interest income in the previous years cannot be reclaimed.
If, however, the assets were invested in units of UBS funds, there are no tax disadvantages
Maximum deposits at present:
• With “BVG”: CHF 6,682
• Without “BVG”: 20% of income, up to a maximum of CHF 33,408
Tax benefits:
• Deposits are deductible from taxable income
• Interest income and savings capital not taxable until paid out
• Taxation at reduced rate on payout of capital
The UBS Fisca account is already included in the Pay and Save Basic Offering, see pages 4, 5 and 6
16
16
In principle at any time, distinction between ordinary and extraordinary withdrawals
Most of the criteria for payout under pillar 3a (UBS Fisca) constitute ordinary reasons for withdrawal
Ordinary withdrawals: preferential conditions still apply
Extraordinary withdrawals: retrospective charge of half the interest credited together with all issuing
commissions and custody account fees payable is levied on the withdrawal amount
Payments
Payment no earlier than 5 years prior to reaching AHV retirement age or in accordanceWithdrawal
with statutory
or
arrangements
regulatory provisions
Saving/Investing
Account maintenance
(monthly charges)
Retirement provision
Withholding tax
Pay and Save Basic Offerings
UBS unrestricted retirement account 3b
Prices
UBS Fisca account
(restricted retirement account 3a)
Solution for maintaining an occupational pension plan
Currency
CHF
Interest rate/Interest payment limit
See separate overview which you can obtain at your UBS branch office or access via the Internet at
www.ubs.com/interest
Withholding tax
None
Opening/Closing an account
Free of charge; the remarks set out under “Withdrawal arrangements” apply for account closure
Account maintenance
(monthly charges)
Free of charge
Withdrawal arrangements
Payment no earlier than 5 years prior to and no later than 5 years after reaching BVG retirement age or in
accordance with statutory or regulatory provisions
Account statements
Free of charge – annually as at December 31
Interest calculations
Free of charge – annually as at December 31
Certification
–
Credit and debit advices
Free of charge
Shipping costs/Third-party expenses
Free of charge
Services
UBS Vitainvest investment funds in UBS vested benefits custody account
Remarks
Financing home ownership
Payments
For people with assets from an occupational pension plan (pillar 2)
Suitability
A processing fee of CHF 300 is charged for early withdrawals to finance home ownership
17
Prices
Tax benefits:
• Interest income and savings capital not taxable until paid out
• Taxation at reduced rate on payout of capital
Retirement provision
Saving/Investing
Condition
Pay and Save Basic Offerings
UBS vested benefits account
Payment service prices
EUR in
Switzerland
EUR outside
Switzerland
CHF outside
Switzerland,
other foreign
currencies28
in/outside
Switzerland
Free of charge CHF 0.30
CHF 0.30
CHF 5
CHF 5
–
–
–
CHF 0.30
–
–
–
–
CHF 10 incl.
Free of charge CHF 0.30
–
–
CHF 0.30
CHF 0.30
–
CHF 0.30
–
–
UBS easy
• Per payment slip
Free of charge CHF 0.50
–
–
–
UBS easy international
• Per payment slip
• Per IPI payment slip
Free of charge CHF 0.50
CHF 2
CHF 2
CHF 4
CHF 4
–
CHF 10
–
CHF 10
UBS standing order
Free of charge CHF 0.50
CHF 2
CHF 5
CHF 5
UBS special standing order
Free of charge CHF 0.50
–
–
–
UBS global
CHF 2
CHF 2
CHF 4
CHF 10
CHF 10
One-time order by letter/
telephone/fax29
CHF 20
CHF 20
CHF 22
CHF 25
CHF 25
Payments out of all
UBS savings accounts
No exemption Supplement of CHF 2 on above prices
Electronic order
without form
UBS e-banking via Internet/
UBS Multimat
• Payment order, standing order
• Payment order, standing order
SEPA (Single Euro Payments
Area)
• Payment order, standing order
with abroad extra
Direct debit
• LSV+
• SEPA direct debit
CHF 10 incl.
third-party charges third-party charges
Written order
with form
Other
Account transfer
• Under the same client number
26
27
Free of charge
The exemption applies to individual products for UBS personal account or UBS personal account 60plus if your total assets27 remain
at least CHF 10,000 for the entire previous month or if you have a building financing or mortgage at UBS.
The free services are already included in the Pay and Save Basic Offerings, valid for payments from the relevant UBS personal account.
Total assets include the accumulated account and custody account assets invested with UBS under the same client excluding
UBS vested benefits custody/account assets and credit card account.
18
Prices
25
Free of charge Free of charge Free of charge –
Payments
CHF in
Switzerland
without
exemption
for
individual
products
Saving/Investing
CHF in
Switzerland
with exemption for
individual
products25
or for the
Pay and
Save Basic
Offerings26
Pay and Save Basic Offerings
Prices in CHF and per payment, charged on a monthly basis
Retirement provision
Outgoing payments
Payment forms
Free of charge
UBS BESR Quick
(bank payment slip with reference
number)
Free of charge
UBS Red payment slip
CHF 0.20 per slip
Other costs
Third-party charges
All additional fees charged by the post office or other banks (cost of cash
deposits, manual interventions, follow-up inquiries, etc.) are passed on
in full to the client. Third-party charges arising in connection with international payments may vary from bank to bank. With SEPA you can be safe
in the knowledge that no third-party charges will be deducted until the
payment is received by the beneficiary’s bank. Please note that some
banks levy a fee on their clients’ incoming payments. UBS has no influence
over this
Guaranteed flat-rate third-party
charges
Foreign payments made under the “All costs to be borne by the ordering
customer (OUR)” option are charged at a flat rate of CHF 20 to cover
all additional costs up to the beneficiary’s bank. Further additional costs are
incurred only for payments without IBAN. Please note that some banks
levy a fee on their clients’ incoming payments. UBS has no influence over
this
Payments without IBAN
Payment orders in EUR to an EU/EEA country without an IBAN will be
charged a flat third-party fee of CHF 8 as levied by the beneficiary’s bank
Cost options for foreign payments
• “All costs to be borne by the
ordering customer”
• The ordering customer pays the UBS costs and a guaranteed thirdparty flat fee of CHF 20. The beneficiary receives the full transfer
amount
• “Breakdown of costs”
• The ordering customer pays the UBS costs. The beneficiary pays the
third-party charges, which are deducted from the transfer amount
• “All costs to be borne by the
beneficiary”
• The beneficiary pays both the UBS costs and the third-party charges,
which are deducted from the transfer amount
Particularly time-consuming
enquiries for which the bank was
not at fault
CHF 120 per hour
Post office enquiries (BESR copy)
excl. third-party costs
CHF 15 per advice
Producing and mailing extra copies/
payment confirmations
• CHF 10 for confirmation by letter
• CHF 50 for confirmation by fax (fax agreement with UBS required)
29
All prices exclude third-party charges. Exception: orders with abroad extra (payment orders possible in the following currencies:
EUR, GBP, NOK, SEK, DKK, USD).
If by fax, a fax agreement is required.
19
Prices
28
Payments
Ordering forms
Saving/Investing
Free of charge
Retirement provision
Credit to UBS account
(from Switzerland and abroad)
Pay and Save Basic Offerings
Incoming payments
Prices for UBS card and cash services
UBS customer card
UBS Maestro Card
Owner card
Free of charge
CHF 40 per year30
Authorized representative card
Free of charge
CHF 40 per year31
card32
Replacement card
CHF 20 per
Blocking
Free of charge
CHF 20 per card
CHF 40 per card
Cashless payments with UBS Maestro Card
In Switzerland
Free of charge
Abroad
1% of the amount, at least CHF 1.50, UBS foreign exchange
sell rate
Pay and Save Basic Offerings
UBS customer card and UBS Maestro Card
UBS Bancomat Plus
• CHF
• EUR into a CHF account
• EUR into a EUR account
Free of charge
Free of charge, UBS banknote buy rate
1% of the amount
UBS counter
• CHF into a CHF account
• EUR, USD, GBP into a CHF account
• EUR, USD, GBP into an account of the
same currency
• Coin deposit
Free of charge
Free of charge, UBS banknote buy rate
2% of the amount, up to an equivalent of CHF 1,000
1% for larger amounts, up to an equivalent of CHF 50,00033
Available on request
Payments
Cash deposits with UBS customer card and UBS Maestro Card
UBS Bancomat
• CHF
• EUR from a CHF account
• EUR from a EUR account
Free of charge or CHF 2 per withdrawal34, 35
Free of charge, UBS banknote sell rate
2% of the amount, up to an equivalent of CHF 1,000
1% for larger amounts, up to an equivalent of CHF 50,00033
Retirement provision
UBS counter
• CHF (under CHF 5,000) from a CHF
account
• EUR, USD, GBP from a CHF account
• EUR, USD, GBP from an account of the
same currency
Free of charge
Free of charge, UBS banknote sell rate
1% of the amount
Saving/Investing
Cash withdrawals with UBS customer card and UBS Maestro Card
31
32
33
34
35
Included in all Pay and Save Basic Offerings.
Included in the Pay and Save Basic Offering for Families and Couples.
If previous card was in circulation for less than 2 years.
On request for amounts higher than CHF 50,000.
Only applies to withdrawals less than CHF 5,000 in CHF from UBS personal account and UBS personal account 60plus which could
have been made through an ATM.
Free of charge with all Pay and Save Basic Offerings and the UBS current account for private clients. Also free of charge with a
UBS personal account or UBS personal account 60plus if the total assets on account do not fall below CHF 10,000 at any point during
the previous month or with UBS building financing or a UBS mortgage. Total assets include all account and custody account balances
held by the client at UBS (excluding UBS Vested Benefits/Custody and Credit Card accounts).
20
Prices
30
In Switzerland
• CHF
• EUR
Free of charge35 or CHF 2 per withdrawal
1% of the amount, at least EUR 3.50, UBS foreign exchange sell rate
Abroad
• In the applicable local currency
CHF 5 per withdrawal, UBS foreign exchange sell rate
UBS Credit Cards
Classic/Standard,
Special Edition36
Gold
Platinum
CHF 5037
CHF 10037
CHF 10038
CHF 20038
CHF 25039
CHF 50039
Partner cardholder of two-card set
(per year)
CHF 2540
CHF 5038
Included39
Replacement card
CHF 20
Free of charge
Free of charge
With photo
No extra charge for new cards
With UBS Travel Insurance Plus
Plus CHF 72 per year
Main cardholder of two-card set
• in 1st year
• From 2nd year onwards
Included
Cashless payments with UBS Credit Card
• Transactions in foreign currencies
• Interest rate for payment in instalments
UBS foreign exchange sell rate plus 1.75% processing surcharge
Annual interest rate of 15%
Payments
UBS VISA Card and UBS MasterCard
Pay and Save Basic Offerings
Cash withdrawals with UBS Maestro Card from ATMs and counters of other banks
3.5% of the amount, at least CHF 5 per withdrawal
3.5% of the amount, at least CHF 10 per withdrawal
Counter
• In Switzerland and abroad
4% of the amount, at least CHF 10 per withdrawal
Retirement provision
ATM
• In Switzerland
• Abroad
Saving/Investing
Cash withdrawals with UBS Credit Card
37
38
39
40
Prices also apply for the UBS Optimus Foundation Charity Card.
Optional and free of charge with the Pay and Save Basic Offering for Young People (minimum age: 18). Already included in the other
Pay and Save Basic Offerings.
Available for an extra CHF 8 per month with the Pay and Save Basic Offerings for Individuals/Families and Couples. This extra charge
also includes a second and partner card (Pay and Save Basic Offering for Families and Couples) or a main and second card (Pay and
Save Basic Offering for Individuals).
Available for an extra CHF 30 per month with the Pay and Save Basic Offerings for Individuals/Families and Couples.
Already included in the Pay and Save Basic Offerings for Individuals/Families and Couples (main card and a second card). The partner
card is already included in the Pay and Save Basic Offering for Families and Couples.
21
Prices
36
Prices for special services
Issuing cheques
Correspondence cheque
• Payable against a UBS account
• Cheque forms
CHF 10 per cheque
CHF 1 per cheque
Travellers cheque
1% of the amount of cheque, min. CHF 5
Bank cheque
Bank cheque issued by UBS
• Sent to client by registered mail
• Sent to client by express mail or to a
UBS branch
• Sent to client or to a UBS branch by courier
CHF 50 per cheque
CHF 100 per cheque
CHF 200 per cheque
Stop notice on cheque
• Stop correspondence cheque request
• Stop bank cheque request
Pay and Save Basic Offerings
Cheque transactions
CHF 50 per cheque
CHF 100 per cheque (excl. third-party costs)
CHF 10 per cheque
CHF 10 per cheque
Free of charge
CHF 2 per cheque
Cheques credited after
final payment
• Payable at domestic bank
• Payable at foreign bank
CHF 30 per cheque
CHF 40 per cheque
Payment in cash
CHF 15 per cheque
Third-party costs
All additional costs charged by other involved banks are debited
in full
Other charges
UBS numbered account relationship
CHF 375 per quarter
22
Prices
Retirement provision
UBS retained mail service
CHF 150 per quarter (plus VAT)
• Surcharge for dispatch of UBS retained mail CHF 150 per year (plus VAT)
Saving/Investing
Cheques credited under
usual reserve
• Payable at domestic bank
• Payable at foreign bank
Travellers cheques
• In CHF
• In foreign currency
Payments
Cheques credited to account
CHF 30 per month41, 42
The additional charge will not apply in the following cases:
• Client relationships with total assets booked at UBS in
Switzerland over CHF 50,00043
• Clients who are domiciled in Germany, France, Italy or
Austria if there is a regular monthly salary deposit of at
least CHF 50044
• Clients with a UBS numbered account
• Client relationships with UBS retained mail
• Clients with a UBS mortgage or UBS construction loan
• Clients with a UBS mandate solution
• Clients with a Pay and Save Basic Offering for Young People
or for Students
• Client relationships that are exclusively a UBS rental surety
savings account or UBS retirement account (pillars 2 and 3)
• New clients during the first three months
Retirement provision
Saving/Investing
Payments
Additional charge
(valid for all individuals above age 20
who are domiciled outside Switzerland and
the Principality of Liechtenstein)
Pay and Save Basic Offerings
Domicile abroad
42
43
44
The additional charge will be billed for the first time at the end of June 2011 for the entire second quarter of 2011 (CHF 90 for the
months of April, May and June 2011). Subsequently, the additional charge will be billed monthly.
The extra charge is debited monthly in the same way as any account maintenance fees/offering prices that are due. Depending on the
account debited, the notification will be sent at the time of the debit or at the latest with the mailing of the account statement.
Total assets include the accumulated account and custody account assets invested with UBS under the same client (excluding UBS vested
benefits accounts/custody accounts and credit card accounts). To qualify for exemption from fees, the total assets booked at UBS in
Switzerland must have been at least CHF 50,000 during the entire previous month.
The salary deposits must each have been equal to at least CHF 500 during the last three months and must be made to a CHF or EUR
account at UBS.
23
Prices
41
Benefit from an even more attractive
banking relationship
• With our Pay and Save Basic Offerings you benefit from the most important bank services for an attractive
all-in fee (free of charge for young people and students). You can achieve additional savings when your total
assets are held with UBS or with a building financing or a mortgage at UBS and/or by switching to e-documents
with UBS e-banking via Internet
• With the UBS personal account you benefit from a range of free services if you have total assets of at least
CHF 10,000 or with a building financing or a mortgage at UBS
Avoid or minimize shipping costs
E-documents (UBS e-banking via Internet)
Stop receiving account statements as well as credit and debit advices etc. by post and view them instead as PDF
files using e-documents with UBS e-banking via Internet
Collective envelopes by post
With the monthly (or weekly) collective envelope, you receive payment advices and other non-time-critical
documents bundled together at the beginning of the month, usually with your account statement. This means
that you not only get a better overview, but you also save significantly on any shipping costs incurred
Pay and Save Basic Offerings
All-in fees and other charge exemption options
Retirement provision
Saving/Investing
• on the Internet: www.ubs.com
• via UBS Service Line Private Clients 0848 848 054
• from your UBS client advisor or at a UBS branch
Payments
You can obtain more information about UBS products and services:
24
Prices
UBS reserves the right to alter its prices and services at any time. These changes will then be communicated to the client in the appropriate
manner.
www.ubs.com
© UBS 2011. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved.
Also available in French, German and Italian. Published June 2011. 80001E
UBS AG
P.O. Box
8098 Zurich